Here we are at the end of the year. It’s always a good time to sit back and reflect on the past year. I also like to make a quick list of the lessons I have learned over the last year in Real Estate.

If you read my column from last week, you would know that I was talking about how hard it is right now to find a good fix and flip home.

Nature abhors a vacuum. With the tightening in the mortgage market we have seen an increase in portfolio and private, also known as hard money, loans to fill the void created since subprime mortgage products have become extinct.

I want to dispel one myth right away, and that is, Realtors do not utter the sentence “It’s a great time to buy” 365 days a year.

I have been working on a newspaper column for the Denver Post and I am uncovering some critical information that I thought I should pass on to my home buyers NOW before the column comes out.

Fuller Sotheby’s agent Dan Polimino talks about what people can expect from the real estate market in Denver, Colorado this coming year.

The Associated Press, on Wednesday, released more information about the new FHA program to help homeowners who owe more than their home is worth.

A reverse mortgage is a loan for homeowners over 62 who have equity in their homes. The property must be the homeowners primary residence; not a second home or investment property.

Bad economic news in Europe is good news for American homeowners and homebuyers. Europeans, and other investors, are flocking to the safety of US securities causing the rates on mortgages to fall. Freddie Mac announced that mortgage rates have fallen to the lowest level of the year.

HUD announced this week several major changes for FHA loans later this year. Some of this items will not go into effect for several months but are worth noting. Overall, HUD is doing the right thing to keep themselves in business and help consumers be able to purchase homes.